TellerScore

First Financial Bank (FDIC certificate #28905) is based in El Dorado, Arkansas. Its Q2 2026 call report shows $2.0B in total assets and $1.7B in deposits and 19 offices across 2 states.

Based on its Q2 2026 filing, First Financial Bank scores 50/100, which we describe as below average. That is higher than only 7% of 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 70th. Its strongest component is earnings (100/100; 2.18%), and its lowest is loan quality (0/100; 3.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.15%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.64%
Earnings100/100
Return on assets (annualized): 2.18%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 102.1% · 28.2% uninsured
Problem-loan coverage47/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 26.29%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 14 points (64 → 50), mostly because the loan quality component weakened by 37 points.

TellerScore
505764Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202452
Q4 202457
Q1 202555
Q2 202564
Q3 202562
Q4 202554
Q1 202651
Q2 202650
Tier 1 leverage ratio
5.00%8.26%11.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.25%
Q3 202411.09%
Q4 202410.95%
Q1 202511.19%
Q2 202511.52%
Q3 202511.41%
Q4 202511.03%
Q1 202611.20%
Q2 202611.15%
Noncurrent loans
1.90%2.77%3.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.27%
Q3 20242.64%
Q4 20242.28%
Q1 20252.64%
Q2 20251.90%
Q3 20252.02%
Q4 20252.64%
Q1 20263.41%
Q2 20263.64%
Return on assets
1.57%1.93%2.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.57%
Q3 20241.66%
Q4 20241.80%
Q1 20251.97%
Q2 20252.30%
Q3 20252.18%
Q4 20252.06%
Q1 20262.05%
Q2 20262.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$2.0B11.15%3.64%2.18%102.1%
Q1 202651$2.0B11.20%3.41%2.05%101.0%
Q4 202554$1.9B11.03%2.64%2.06%99.5%
Q3 202562$1.9B11.41%2.02%2.18%98.9%
Q2 202564$1.8B11.52%1.90%2.30%98.1%
Q1 202555$1.8B11.19%2.64%1.97%97.6%
Q4 202457$1.8B10.95%2.28%1.80%96.5%
Q3 202452$1.8B11.09%2.64%1.66%98.1%
Q2 202455$1.7B11.25%2.27%1.57%99.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.15%
63rd
Total risk-based capital0.00%
13th
Problem loans3.64%
2nd
Net charge-offs0.21%
19th
Return on assets2.18%
93rd
Net interest margin4.39%
84th
Efficiency ratio54.9%
62nd
Loans to deposits102.1%
11th
Uninsured deposits28.2%
58th
Loan-loss reserves1.06%
39th
Texas ratio26.3%
1st

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers & Merchants BankBank Stuttgart, AR67 out of 100, Moderate$2.0B9.8%0.39%vs
The First National Bank of Fort SmithBank Fort Smith, AR78 out of 100, Strong$2.3B11.1%0.44%vs
Signature Bank of ArkansasBank Fayetteville, AR67 out of 100, Moderate$1.6B9.6%0.04%vs
The Citizens BankBank Batesville, AR70 out of 100, Strong$1.6B8.9%0.37%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
First National BankBank Paragould, AR71 out of 100, Strong$2.6B11.1%0.19%vs

Deposit insurance

Is my money safe at First Financial Bank?

Yes. First Financial Bank is an FDIC-insured institution (FDIC certificate #28905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.2% of deposits ($474.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

First Financial Bank lists 16 offices in 10 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Financial Bank reported 563 home-loan applications under HMDA (LEI 254900CNZPI5WN45KW48): 437 originated ($92,345,000 total), 36 denied, and 80 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Financial Bank
Former names
First Financial Bank, A Federal Savings Bank; First Federal Savings and Loan Association; First Financial Federal Savings and Loan Association
Type
State-chartered bank (Fed member)
FDIC certificate #
28905
RSSD ID
48374
Primary regulator
FED
Holding company
First Financial Banc Corp
Established
April 1, 1934
Headquarters
300 East Peach Street, El Dorado, AR 71730
Employees
334

Quick answers

First Financial Bank: common questions

Is First Financial Bank FDIC insured?

Yes. First Financial Bank is an FDIC-insured institution (FDIC certificate #28905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Financial Bank's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Financial Bank ever failed?

There is no failure record for FDIC certificate #28905 in the FDIC failed bank list.

How many branches does First Financial Bank have?

19 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near El Dorado

InstitutionScoreAssetsCapitalProblem loansCompare
Lion Federal Credit UnionCredit union El Dorado, AR92 out of 100, Very strong$18.0M18.7%0.09%vs
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs
River Valley Community Federal Credit UnionCredit union Camden, AR74 out of 100, Strong$64.3M13.9%1.25%vs
Smackover State BankBank Smackover, AR68 out of 100, Moderate$252.4M11.0%0.83%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Generations BankBank Rogers, AR63 out of 100, Moderate$1.1B11.5%1.51%vs